Work Credit Requirements in New Hampshire

To qualify for SSDI, consider the following work credit facts:

• You must have earned enough work credits through paying Social Security taxes.
• Number of credits needed depends on age at disability onset, ranging from 6 to 40 credits.
• Generally, adults need about 20 credits in the last 10 years before becoming disabled.

How Work Credits Are Earned

Understand how credits accumulate:

• You earn up to 4 credits per year based on your income.
• For 2024, each credit is earned with approximately $1,640 of earnings.
• Credits reflect your work history contributing to Social Security.

Special Considerations for Younger Workers

The SSA adjusts requirements for younger applicants:

• If you're younger than 24, you may need as few as 6 credits earned in the 3 years before disability.
• Older workers generally require more credits, up to 40.
• The goal is to show a recent and substantial work history.

Additional Qualification Factors

Besides work credits:

• Your disability must meet the Social Security’s definition of disability.
• The condition should last or be expected to last at least 12 months or result in death.
• You cannot engage in substantial gainful activity during the disability period.

Importance of Accurate Records

Make sure to:

• Keep precise records of your earnings as reported to the SSA.
• Know your disability onset date to calculate needed credits.
• Consult with professionals if you need to verify eligibility based on work history.

Common Challenges

Be aware of potential hurdles:

• Lack of sufficient work credits is a frequent reason for denial.
• Errors in reported earnings or work history can affect qualification.
• Misunderstanding how age affects credit requirements.